Virgin Money Balance Transfer Credit Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Virgin Money Balance Transfer Credit Card4.8/5

Virgin Money

Annual fee
£0
Rewards rate
Standard balance transfers do not earn rewards, but cardholders unlock access to the Virgin Money Cashback program.
Welcome Bonus
The primary sign-up benefit is a long 0% interest introductory period, allowing you to move existing debt for a fee.
Apply Now →on Virgin Money's website
Regular APR:24.9%-27.9% Variable APR

  • No rewards breakdown available

Welcome Bonus:

The primary sign-up benefit is a long 0% interest introductory period, allowing you to move existing debt for a fee.

Reward Rate:

Standard balance transfers do not earn rewards, but cardholders unlock access to the Virgin Money Cashback program.

APR:

24.9%-27.9% Variable APR

The Virgin Money Balance Transfer Credit Card stands out as a top choice due to its long 0% interest period on balance transfers, allowing users to consolidate debt effectively without accruing interest.

Pros:

  • 0% interest on balance transfers for up to 36 months
  • No annual fee

Cons:

  • Balance transfer fees apply
  • No traditional welcome bonuses
Apply now →

The Virgin Money Balance Transfer Credit Card is well-suited for individuals looking to consolidate existing credit card debt, particularly those who can benefit from an extended 0% interest period on balance transfers. With no annual fee and no rewards, it serves primarily as a practical tool for managing financial obligations rather than a rewards-based card.

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